This privacy policy (“Privacy Policy”) provides You with details about the manner in which Your data is collected, stored & used by Us. You are advised to read this Privacy Policy carefully. By registering on the App (as defined below), using any medium: mobile app, website, web app, mobile site or otherwise, You permit Us to use & disclose your Personal Information (defined below) in accordance with this Privacy Policy by providing Your consent to this Privacy Policy. If You do not agree to the terms of the policy, please do not use or access the App.

“Personal Information” of a person means any information that relates to a natural person, which, either directly or indirectly, in combination with other information available or likely to be available with Us corporate, is capable of identifying such person and includes, (wherever appropriate and/or mandated under applicable laws) personal information categorized as sensitive personal data or information under the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011 as below:

  • password; and
  • financial information such as Bank account or credit card or debit card or other payment instrument details; and
  • physical, physiological and mental health condition; and
  • sexual orientation; and
  • medical records and history; and
  • any detail relating to the above clauses as provided to body corporate for providing service; and
  • any of the information received under above clauses by body corporate for processing, stored or processed under lawful contract or otherwise.

Sensitive personal data or information that is freely available, accessible in the public domain,
or available under the Right to Information Act 2005, is excluded from the scope of this

Note: Our Privacy Policy may change at any time without prior notification. To make sure that
You are aware of any changes, kindly review this Privacy Policy periodically.

Throughout this Privacy Policy, the capitalized terms “Greenikk” “We“, “Us” and “Our” refers to Greenikk Financial Technologies Private Limited, its affiliates and assigns, and the terms “User”, “You”, “Your”, and “Yourself” refer to the users of the App whose Personal Information is being collected in accordance with the terms of this Privacy Policy. Greenikk is providing this Privacy Policy to familiarize you with:



This Privacy Policy applies to all forms of Personal Information, physical and digital, whether collected or stored electronically or in hardcopy.

We handle data in our own right and for and on behalf of the Users.

If, at any time, a User provides data or other information about someone other than himself, herself or itself, the User warrants that it has that person’s consent to provide such information for the purpose specified.

The App should not be used or accessed by minors (persons under the age of 18 years).

By registering  on the App or website , You are accepting this Privacy Policy.


When You use the App or website, We collect and store Your Personal Information which is provided by you from time to time. This allows us to provide services and features that most likely meet your needs, and to customize the App to meet your requirements and make Your experience safer and easier. We collect Personal Information from You that we consider necessary for achieving this purpose.

Greenikk respects the privacy of its Users and is committed to protect such privacy as detailed herein.

Once you create an account (register) on the App or website and give us Your Personal Information, you are not anonymous to Us. Wherever possible, we indicate which fields are required and which fields are optional. If You are unable to provide the information We need, we may not be able to provide You with the product or service You have requested.



In order to determine Your eligibility and enable the products/services offered on the App o for you, We collect and process certain categories of Personal Information belonging to You, including the following:

  • Personal information like date of birth, age, marital status, birthplace, nationality, mother
  • Contact information (e.g., name, address, telephone, and email address).
  • Government-issued identifiers, including PAN and GST information.
  • Financial information, including bank account details, credit/debit card details, billing
    information, tax information and payroll information (as applicable); and
  • Photographs and signature copies.
  • Information which would help determine Your eligibility to avail the services offered on the
  • Any other information that Greenikk is required to collect as per specific mandate from any
    bank, NBFC or as a requirement under applicable law, regulation, rule, or statute in India.

In addition to above, for the mobile version of the App, We may collect any other authorization
or information that enables Greenikk to provide a smooth mobile experience, including but not
limited to: SMS access for auto OTP verification. We may take a one-time access for the User’s
camera/gallery/contacts or any other facility necessary for the purpose of on-boarding/ Know
Your Customer (KYC) requirements.


Greenikk offers the App services as a technology aggregator. In view of this, disclosure of Your
information may be required by Us to provide You access to Our services, to comply with Our
legal obligations, to prevent, detect, mitigate, and investigate fraudulent or illegal activities
related to Our services.

We have partnered with certain vendors as listed below, for the purpose of KYC verification and
User authentication on the App. We may use their assistance on a case-to-case basis and as per
the services availed by the User on the App.

  • Acemoney Financial Solutions Pvt. Ltd.

a.                to access Your Aadhaar Information (defined below) from Unique Identification
Authority of India (“UIDAI”), to fetch and verify information regarding Aadhaar Number,
Aadhaar XML, Virtual ID, e-Aadhaar, Masked Aadhaar, Aadhaar details, demographic
information, identity information, Aadhaar registered mobile number, face
authentication details and/or biometric information (collectively referred to as
“Aadhaar Information”).

b.                to search for Your detailed Permanent Account Number (PAN) information and

c.                 to search for Your Goods and Service Tax Identification Number (GSTIN) information and

d.                to search and download the User KYC information from the Central KYC (CKYC).

e.                to check and verify the User’s UDYAM registration.

f.                 to check and verify User’s name similarity and face matching with User’s KYC

g.                To start current account with third party bank

h.                To do payments to other accounts

We do not disclose Your Personal Information to third parties except in accordance with the
terms contained herein.

We may disclose Personal Information if required to do so by law or in the good faith belief that
such disclosure is reasonably necessary to respond to subpoenas, court orders, or other legal

We may disclose Personal Information to law enforcement offices, third party rights owners, or
others in the good faith belief that such disclosure is reasonably necessary to: enforce the
Terms of Use or this Privacy Policy; respond to claims that an advertisement, posting, or other
content violates the rights of a third party; or protect the rights, property or personal safety of
Our users or the general public.

We may disclose Personal Information to third parties who work on Our behalf, provided that
such third parties adhere to the confidentiality obligations consistent with this Privacy Policy.
These third parties are authorized to use Your Personal Information only as necessary to
provide the App services requested or availed by You. These services may include providing
cloud computing infrastructure, App crash reporting, App usage pattern so that we can serve
You better and providing customer support or account administration.


We will retain your information for as long as Your account is active or as needed to provide the
App services. We shall retain and use the information collected by Us as necessary to comply
with our legal obligations, resolve disputes or for other business purposes. If You cancel/
deactivate/ unsubscribe Your account with Us, We are not under any obligation to retain Your
information. Without prejudice, We may retain Your information for twelve (12) months after
You cancel/ deactivate/ unsubscribe Your account with Us to ensure compliance with applicable


You are aware of all security risks, including possible third-party interception of any of Your
transactions and statements of account on the internet and the content of Your transactions or
statements of account becoming known to third parties. You agree and undertake that you
shall not hold Greenikk liable therefore in any way. The use and storage of any information,
including without limitation, the credit card number, PIN, password, account information,
transaction activity, account balances and any other information available or stored on Your
Device is at Your own risk and responsibility. You furthermore acknowledge and accept that
Greenikk may not encrypt all content or communications from and to your website(s).


You have the right to withdraw your consent at any time in writing by sending an e-mail to us at [email protected]m in accordance with the terms of this Privacy Policy. However, please note that withdrawal of consent will not be retrospective in nature and shall be applicable prospectively.

You may write to us at [email protected]m  to access, review, modify or correct your sensitive personal data or information or withdraw your consent to provide sensitive personal data or information. We are not responsible for the authenticity of the information provided by you.

You agree and acknowledge that Your right to access, modify and/or withdrawing Your consent to provide sensitive personal data or information as mentioned above may be denied or limited by Us, as may be required under any applicable law, law enforcement requests or under any judicial proceedings.



Links to third-party advertisements, third-party websites or any third-party electronic
communication service which are operated by third parties may be provided on the App. Such
links may not be controlled by, or affiliated to, or associated with, Greenikk unless otherwise
expressly specified on the App.

Greenikk is not responsible for any form of transmission, whatsoever, received by You from any
third-party website. Accordingly, Greenikk does not make any representations concerning the
privacy practices or policies of such third parties or terms of use of such third-party websites,
nor does Greenikk control or guarantee the accuracy, integrity, or quality of the information, data,
text, software, music, sound, photographs, graphics, videos, messages, or other materials
available on such third-party websites. The inclusion or exclusion does not imply any
endorsement by Greenikk of the third-party websites, the website's provider, or the information
on the third-party website. The information provided by You to such third-party websites shall
be governed in accordance with the privacy policies of such third-party websites, and it is
recommended that You review the privacy policy of such third-party websites prior to using
such websites.


You hereby agree that the application and copies of all documents submitted by You, to the
extent permitted under applicable law, are and shall remain the property of Greenikk, and Greenikk
shall not be obliged to return the same to you upon Your request. Any unauthorized access to
the App is a breach of these terms and a violation of the law. You agree not to access the App
by any means other than through the interface that is provided by Greenikk.

You hereby acknowledge and agree that this Privacy Policy:

  • is clear and easily accessible and provide statements of policies and practices Greenikk with
    respect to information security; and
  • provides for the various types of personal or sensitive personal data of information to be
    collected; and
  • provides for the purposes of collection and usage of the information; and
  • provides for disclosure of information; and
  • provides for reasonable security practices and procedures.



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